Symbols / BETR
BETR Chart
About
Better Home & Finance Holding Company operates as a homeownership company in the United States. The company provides government-sponsored enterprise (GSE) conforming loans, U.S. Federal Housing Administration insured loans, U.S. Department of Veterans Affairs guaranteed loans, and jumbo loans to GSEs, banks, insurance companies, asset managers, and mortgage real estate investment trusts. It also offers real estate agent services, title insurance and settlement services, and homeowners insurance services. The company formerly known as Better Mortgage Corporation and changed its name to Better Home & Finance Holding Company in August 2023. Better Home & Finance Holding Company is headquartered in New York, New York.
Fundamentals
Scroll to Statements| Sector | Financial Services | Industry | Mortgage Finance | Market Cap | 481.10M |
| Enterprise Value | 920.55M | Income | -185.18M | Sales | 145.54M |
| Book/sh | 2.73 | Cash/sh | 5.04 | Dividend Yield | — |
| Payout | 0.00% | Employees | 1250 | IPO | — |
| P/E | — | Forward P/E | -15.00 | PEG | — |
| P/S | 3.31 | P/B | 11.24 | P/C | — |
| EV/EBITDA | — | EV/Sales | 6.33 | Quick Ratio | 1.02 |
| Current Ratio | 1.06 | Debt/Eq | 1321.32 | LT Debt/Eq | — |
| EPS (ttm) | -12.18 | EPS next Y | -2.04 | EPS Growth | — |
| Revenue Growth | 51.30% | Earnings | 2026-03-19 | ROA | -16.61% |
| ROE | -8.76% | ROIC | — | Gross Margin | 100.00% |
| Oper. Margin | -72.79% | Profit Margin | -127.23% | Shs Outstand | 9.86M |
| Shs Float | 8.06M | Short Float | 32.93% | Short Ratio | 4.24 |
| Short Interest | — | 52W High | 94.06 | 52W Low | 8.90 |
| Beta | 2.01 | Avg Volume | 451.72K | Volume | 177.77K |
| Target Price | $40.00 | Recom | None | Prev Close | $28.41 |
| Price | $30.65 | Change | 7.88% |
Valuation Models
Price estimates from analyst targets and simple models.
1. Analyst consensus
$40.00
Mean price target
2. Current target
$28.41
Latest analyst target
3. DCF / Fair value
$40.00
Proxy: analyst mean price target (no FCF/EPS data available).
Ratings
Current target
$28.41
Low
$40.00
High
$40.00
Mean
$40.00
Latest analyst rating changes
| Date | Action | Analyst | Rating Change | Price Target |
|---|---|---|---|---|
| 2026-01-27 | init | Cantor Fitzgerald | — → Overweight | $40 |
- Better Home & Finance stock soars again as investor behind Opendoor rally calls it 'Shopify of mortgages' - AOL.com Mon, 23 Feb 2026 21
- AI mortgage lender taps $500M stablecoin pool to drive rates below 5% - Stock Titan Mon, 23 Feb 2026 22
- $BETR stock is up 8% today. Here's what we see in our data. - Quiver Quantitative Wed, 28 Jan 2026 08
- Better Homes: What’s Happening With BETR Stock? - Forbes Wed, 24 Sep 2025 07
- Smith Chad M. sells better home & finance (BETR) shares for $57526 - Investing.com ue, 10 Feb 2026 08
- Aurora Acquisition Signs Warrant and Registration Agreements - TipRanks Mon, 23 Feb 2026 22
- Chad Smith Sells 2,056 Shares of Better Home & Finance (NASDAQ:BETR) Stock - MarketBeat ue, 10 Feb 2026 08
- Behavioral Patterns of BETR and Institutional Flows - Stock Traders Daily hu, 19 Feb 2026 10
- Assessing Better Home & Finance Holding (BETR) Valuation Following Rapid Share Price Gains - Yahoo Finance Sun, 26 Oct 2025 07
- New Better Home & Finance leaders get stock tied to 2030 goals - Stock Titan Wed, 18 Feb 2026 21
- $BETR stock is down 12% today. Here's what we see in our data. - Quiver Quantitative Fri, 12 Dec 2025 08
- Insider Selling: Better Home & Finance (NASDAQ:BETR) COO Sells 6,000 Shares of Stock - MarketBeat hu, 19 Feb 2026 02
- Better Home & Finance stock soars again as investor behind Opendoor rally calls it 'Shopify of mortgages' - Yahoo Finance ue, 23 Sep 2025 07
- $BETR stock is up 13% today. Here's what we see in our data. - Quiver Quantitative Mon, 10 Nov 2025 08
- Better Home & Finance (NASDAQ:BETR) Shares Up 10.9% - Should You Buy? - MarketBeat Fri, 13 Feb 2026 08
Insider Transactions
| Date | Shares | Value | Url | Text | Insider | Position | Transaction | Start Date | Ownership |
|---|---|---|---|---|---|---|---|---|---|
| 0 | 6000 | 180448.0 | — | Sale at price 30.01 - 30.39 per share. | SMITH CHAD M. | Officer | — | 2026-02-17 00:00:00 | I |
| 1 | 8018 | 229880.0 | — | Sale at price 28.46 - 29.02 per share. | TUFFIN PAULA | General Counsel | — | 2026-02-12 00:00:00 | D |
| 2 | 22381 | — | — | Stock Award(Grant) at price 0.00 per share. | GARG VISHAL | Chief Executive Officer | — | 2026-02-11 00:00:00 | D |
| 3 | 22381 | — | — | Stock Award(Grant) at price 0.00 per share. | TUFFIN PAULA | General Counsel | — | 2026-02-11 00:00:00 | D |
| 4 | 22381 | — | — | Stock Award(Grant) at price 0.00 per share. | NICHOLAS CALAMARI J | General Counsel | — | 2026-02-11 00:00:00 | D |
| 5 | 14921 | 434350.0 | — | Stock Award(Grant) at price 29.11 per share. | SMITH CHAD M. | Officer | — | 2026-02-11 00:00:00 | D |
| 6 | 2056 | 57527.0 | — | Sale at price 27.98 per share. | SMITH CHAD M. | Officer | — | 2026-02-10 00:00:00 | I |
| 7 | 5000 | nan | — | — | SMITH CHAD M. | Officer | — | 2026-02-06 00:00:00 | D |
| 8 | 3097 | 83805.0 | — | Sale at price 27.06 per share. | SMITH CHAD M. | Officer | — | 2026-02-03 00:00:00 | I |
| 9 | 3166 | nan | — | — | GARG VISHAL | Chief Executive Officer | — | 2026-01-30 00:00:00 | D |
Financials
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| TaxEffectOfUnusualItems | 0.00 | 0.00 | 3.99M | -391.30K |
| TaxRateForCalcs | 0.21 | 0.21 | 0.21 | 0.01 |
| NormalizedEBITDA | -154.79M | -237.97M | -542.40M | -125.48M |
| TotalUnusualItems | -254.30M | 19.02M | -49.84M | |
| TotalUnusualItemsExcludingGoodwill | -254.30M | 19.02M | -49.84M | |
| NetIncomeFromContinuingOperationNetMinorityInterest | -206.29M | -536.42M | -877.08M | -301.13M |
| ReconciledDepreciation | 33.23M | 42.89M | 49.42M | 27.22M |
| ReconciledCostOfRevenue | 162.58M | 213.33M | 648.16M | 943.01M |
| EBITDA | -154.79M | -237.97M | -523.38M | -175.32M |
| EBIT | -188.02M | -280.87M | -572.80M | -202.54M |
| NetInterestIncome | -31.60M | -303.18M | -100.97M | |
| InterestExpense | 31.60M | 303.18M | 100.97M | |
| NormalizedIncome | -206.29M | -536.42M | -892.10M | -251.68M |
| NetIncomeFromContinuingAndDiscontinuedOperation | -206.29M | -536.42M | -877.08M | -301.13M |
| TotalExpenses | 308.07M | 382.98M | 990.46M | 1.46B |
| RentExpenseSupplemental | 4.22M | 1.32M | 2.48M | |
| TotalOperatingIncomeAsReported | -291.28M | -858.92M | -239.68M | |
| DilutedAverageShares | 15.11M | 9.23M | 14.75M | 14.75M |
| BasicAverageShares | 15.11M | 9.23M | 14.75M | 14.75M |
| DilutedEPS | -13.65 | -58.09 | -59.46 | -20.41 |
| BasicEPS | -13.65 | -58.09 | -59.46 | -20.41 |
| DilutedNIAvailtoComStockholders | -206.29M | -536.42M | -877.08M | -301.13M |
| NetIncomeCommonStockholders | -206.29M | -536.42M | -877.08M | -301.13M |
| NetIncome | -206.29M | -536.42M | -877.08M | -301.13M |
| NetIncomeIncludingNoncontrollingInterests | -206.29M | -536.42M | -877.08M | -301.13M |
| NetIncomeContinuousOperations | -206.29M | -536.42M | -877.08M | -301.13M |
| TaxProvision | 850.00K | 2.00M | 1.10M | -2.38M |
| PretaxIncome | -205.44M | -534.42M | -875.98M | -303.51M |
| OtherIncomeExpense | -17.42M | -253.56M | 22.57M | -49.84M |
| OtherNonOperatingIncomeExpenses | -17.42M | -253.56M | 3.56M | |
| SpecialIncomeCharges | -17.46M | -246.49M | -17.05M | |
| OtherSpecialCharges | -3.89M | 1.00K | ||
| WriteOff | 311.00K | 131.72M | 0.00 | |
| ImpairmentOfCapitalAssets | 12.79M | 12.50M | 0.00 | |
| RestructuringAndMergernAcquisition | 8.25M | 102.26M | 17.05M | |
| GainOnSaleOfSecurity | -236.84M | 265.50M | -32.79M | |
| NetNonOperatingInterestIncomeExpense | -31.60M | -303.18M | -100.97M | |
| InterestExpenseNonOperating | 31.60M | 303.18M | 100.97M | |
| OperatingIncome | -188.02M | -280.87M | -595.38M | -152.70M |
| OperatingExpense | 145.49M | 169.65M | 296.89M | 495.00M |
| OtherOperatingExpenses | 26.05M | 47.08M | ||
| DepreciationAmortizationDepletionIncomeStatement | 33.23M | 42.89M | 4.01M | 933.00K |
| DepreciationAndAmortizationInIncomeStatement | 33.23M | 42.89M | 4.01M | 933.00K |
| ResearchAndDevelopment | 83.81M | 124.31M | 144.49M | |
| SellingGeneralAndAdministration | 86.21M | 79.67M | 168.57M | 349.58M |
| SellingAndMarketingExpense | 33.98M | 19.52M | 69.01M | 248.90M |
| GeneralAndAdministrativeExpense | 52.23M | 60.15M | 99.56M | 100.69M |
| OtherGandA | 52.23M | 60.15M | 78.33M | 70.64M |
| RentAndLandingFees | 4.22M | 1.32M | 2.48M | |
| SalariesAndWages | 37.20M | 19.91M | 27.56M | |
| GrossProfit | -42.52M | -111.22M | -298.49M | 342.30M |
| CostOfRevenue | 162.58M | 213.33M | 693.57M | 969.29M |
| TotalRevenue | 120.05M | 102.11M | 395.08M | 1.31B |
| OperatingRevenue | 117.10M | 99.84M | 395.08M | 1.31B |
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| OrdinarySharesNumber | 15.17M | 15.04M | 14.75M | 14.75M |
| ShareIssued | 15.17M | 15.04M | 14.75M | 14.75M |
| NetDebt | 552.72M | 137.27M | 720.49M | 1.36B |
| TotalDebt | 767.90M | 672.06M | 1.10B | 2.37B |
| TangibleBookValue | -102.72M | 52.08M | -683.57M | 147.86M |
| InvestedCapital | 705.65M | 763.46M | 434.27M | 2.53B |
| WorkingCapital | 426.30M | 588.62M | 429.47M | 1.22B |
| NetTangibleAssets | -102.72M | 52.08M | -247.29M | 584.14M |
| CapitalLeaseObligations | 4.08M | 31.20M | 57.51M | 73.66M |
| CommonStockEquity | -58.17M | 122.60M | -604.18M | 240.16M |
| PreferredStockEquity | 436.28M | 436.28M | ||
| TotalCapitalization | 461.58M | 637.24M | 726.50M | 1.30B |
| TotalEquityGrossMinorityInterest | -58.17M | 122.60M | -167.90M | 676.44M |
| StockholdersEquity | -58.17M | 122.60M | -167.90M | 676.44M |
| OtherEquityInterest | -9.16M | -10.11M | -53.23M | -38.63M |
| GainsLossesNotAffectingRetainedEarnings | -1.94M | -1.71M | -1.42M | -105.00K |
| RetainedEarnings | -1.91B | -1.70B | -1.17B | -292.61M |
| AdditionalPaidInCapital | 1.86B | 1.84B | 618.11M | 571.50M |
| CapitalStock | 2.00K | 2.00K | 436.29M | 436.29M |
| CommonStock | 2.00K | 2.00K | 10.00K | 10.00K |
| PreferredStock | 0.00 | 436.28M | 436.28M | |
| TotalLiabilitiesNetMinorityInterest | 971.23M | 782.95M | 1.25B | 2.62B |
| TotalNonCurrentLiabilitiesNetMinorityInterest | 535.66M | 574.69M | 986.56M | 760.54M |
| OtherNonCurrentLiabilities | 2.90M | 6.09M | 2.98M | 8.61M |
| DerivativeProductLiabilities | 1.41M | 3.28M | 4.92M | 34.38M |
| LongTermDebtAndCapitalLeaseObligation | 523.83M | 545.85M | 951.91M | 700.01M |
| LongTermCapitalLeaseObligation | 4.08M | 31.20M | 57.51M | 73.66M |
| LongTermDebt | 519.75M | 514.64M | 894.40M | 626.36M |
| LongTermProvisions | 7.52M | 19.47M | 26.75M | 17.54M |
| CurrentLiabilities | 435.56M | 208.26M | 264.69M | 1.86B |
| OtherCurrentLiabilities | 6.12M | |||
| CurrentDeferredLiabilities | 137.17M | 12.11M | 30.20M | 50.01M |
| CurrentDeferredRevenue | 137.17M | 12.11M | 30.20M | 50.01M |
| CurrentDebtAndCapitalLeaseObligation | 244.07M | 126.22M | 144.05M | 1.67B |
| CurrentDebt | 244.07M | 126.22M | 144.05M | 1.67B |
| OtherCurrentBorrowings | 750.00M | 477.33M | ||
| LineOfCredit | 244.07M | 126.22M | 144.05M | 1.67B |
| PayablesAndAccruedExpenses | 48.21M | 69.93M | 90.44M | 144.81M |
| Payables | 48.21M | 69.93M | 90.44M | 144.81M |
| OtherPayable | 74.00K | 3.38M | 8.00M | 11.55M |
| AccountsPayable | 48.13M | 66.56M | 82.44M | 133.26M |
| TotalAssets | 913.06M | 905.55M | 1.08B | 3.30B |
| TotalNonCurrentAssets | 51.19M | 108.67M | 389.19M | 213.79M |
| OtherNonCurrentAssets | 4.79M | 14.26M | ||
| FinancialAssets | 2.54M | 1.72M | 239.65M | 9.30M |
| GoodwillAndOtherIntangibleAssets | 44.55M | 70.52M | 79.38M | 92.30M |
| OtherIntangibleAssets | 20.94M | 38.13M | 62.00M | 72.49M |
| Goodwill | 23.61M | 32.39M | 17.39M | 19.81M |
| NetPPE | 4.10M | 36.44M | 70.15M | 97.93M |
| AccumulatedDepreciation | -6.79M | -17.90M | -19.74M | -11.08M |
| GrossPPE | 10.90M | 54.34M | 89.89M | 109.01M |
| Leases | 2.51M | 12.25M | 21.66M | 19.87M |
| OtherProperties | 1.39M | 19.99M | 43.48M | 60.73M |
| MachineryFurnitureEquipment | 7.00M | 19.07M | 21.72M | 28.41M |
| LandAndImprovements | 0.00 | 3.03M | 3.03M | 0.00 |
| Properties | 0.00 | 0.00 | 0.00 | 0.00 |
| CurrentAssets | 861.86M | 796.88M | 694.16M | 3.09B |
| AssetsHeldForSaleCurrent | 10.41M | 0.00 | ||
| RestrictedCash | 24.42M | 24.48M | 28.11M | 40.55M |
| PrepaidAssets | 28.41M | 43.04M | 46.35M | 32.16M |
| Inventory | 0.00 | 1.14M | 1.12M | |
| OtherInventories | 1.14M | 1.12M | ||
| Receivables | 533.75M | 200.18M | 300.61M | 2.07B |
| OtherReceivables | 17.55M | 16.89M | 17.53M | 65.22M |
| TaxesReceivable | 5.48M | 8.35M | 18.14M | 20.25M |
| LoansReceivable | 510.72M | 174.94M | 264.94M | 1.99B |
| CashCashEquivalentsAndShortTermInvestments | 264.88M | 529.19M | 317.96M | 938.32M |
| OtherShortTermInvestments | 53.77M | 25.60M | 0.00 | |
| CashAndCashEquivalents | 211.10M | 503.59M | 317.96M | 938.32M |
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| FreeCashFlow | -390.05M | -169.50M | 902.97M | 292.57M |
| RepurchaseOfCapitalStock | 0.00 | -7.95M | -5.65M | |
| RepaymentOfDebt | -1.10M | -165.34M | -11.66B | -51.04B |
| IssuanceOfDebt | 117.85M | 528.59M | 10.13B | 51.33B |
| IssuanceOfCapitalStock | 0.00 | 16.35M | 0.00 | |
| CapitalExpenditure | -10.08M | -9.78M | -35.28M | -68.65M |
| InterestPaidSupplementalData | 13.82M | 12.04M | 13.07M | |
| IncomeTaxPaidSupplementalData | 1.83M | |||
| EndCashPosition | 235.52M | 528.07M | 346.06M | 978.87M |
| OtherCashAdjustmentOutsideChangeinCash | -7.68M | 0.00 | ||
| BeginningCashPosition | 528.07M | 346.06M | 978.87M | 381.79M |
| EffectOfExchangeRateChanges | -217.00K | -1.09M | 726.00K | 35.00K |
| ChangesInCash | -284.65M | 183.09M | -633.53M | 597.05M |
| FinancingCashFlow | 239.13M | 381.40M | -1.54B | 304.54M |
| CashFlowFromContinuingFinancingActivities | 239.13M | 381.40M | -1.54B | 304.54M |
| NetOtherFinancingCharges | 122.29M | 260.00K | -425.00K | |
| ProceedsFromStockOptionExercised | 91.00K | 1.55M | 734.00K | 21.62M |
| NetCommonStockIssuance | 0.00 | 16.35M | -7.95M | -5.65M |
| CommonStockPayments | 0.00 | -7.95M | -5.65M | |
| CommonStockIssuance | 0.00 | 16.35M | 0.00 | |
| NetIssuancePaymentsOfDebt | 116.75M | 363.24M | -1.53B | 289.00M |
| NetShortTermDebtIssuance | -17.83M | -1.52B | -540.05M | |
| ShortTermDebtPayments | -2.71B | -11.66B | -51.04B | |
| ShortTermDebtIssuance | 2.69B | 10.13B | 50.50B | |
| NetLongTermDebtIssuance | 116.75M | 363.24M | -1.53B | 289.00M |
| LongTermDebtPayments | -1.10M | -165.34M | -11.66B | -51.04B |
| LongTermDebtIssuance | 117.85M | 528.59M | 10.13B | 51.33B |
| InvestingCashFlow | -143.81M | -38.59M | -34.58M | -68.70M |
| CashFlowFromContinuingInvestingActivities | -143.81M | -38.59M | -34.58M | -68.70M |
| NetOtherInvestingChanges | -108.11M | |||
| NetInvestmentPurchaseAndSale | -28.55M | -16.87M | 0.00 | |
| SaleOfInvestment | 183.31M | 31.32M | 0.00 | |
| PurchaseOfInvestment | -211.86M | -48.19M | 0.00 | |
| NetBusinessPurchaseAndSale | 0.00 | -12.71M | -3.85M | -5.07M |
| PurchaseOfBusiness | 0.00 | -12.71M | -3.85M | -5.07M |
| NetIntangiblesPurchaseAndSale | 0.00 | 5.02M | ||
| SaleOfIntangibles | 0.00 | 5.02M | ||
| NetPPEPurchaseAndSale | -450.00K | 308.00K | -7.19M | -15.72M |
| SaleOfPPE | 2.94M | 764.00K | 4.55M | 0.00 |
| PurchaseOfPPE | -3.39M | -456.00K | -11.73M | -15.72M |
| CapitalExpenditureReported | -6.69M | -9.32M | -23.55M | -52.93M |
| OperatingCashFlow | -379.97M | -159.72M | 938.25M | 361.21M |
| CashFlowFromContinuingOperatingActivities | -379.97M | -159.72M | 938.25M | 361.21M |
| ChangeInWorkingCapital | -10.28M | -52.93M | -48.53M | -93.99M |
| ChangeInOtherCurrentLiabilities | -4.71M | -40.70M | -35.96M | 153.00K |
| ChangeInOtherCurrentAssets | -13.61M | -11.74M | ||
| ChangeInPayablesAndAccruedExpense | -20.52M | -26.84M | -47.11M | -22.55M |
| ChangeInPayable | -20.52M | -26.84M | -47.11M | -22.55M |
| ChangeInAccountPayable | -21.08M | -22.21M | -43.56M | -7.96M |
| ChangeInPrepaidAssets | 16.86M | 14.70M | -2.94M | -60.44M |
| ChangeInReceivables | -1.91M | -97.00K | 37.48M | -11.15M |
| OtherNonCashItems | -226.60M | 87.65M | 1.81B | 555.58M |
| StockBasedCompensation | 26.75M | 54.16M | 30.54M | 55.22M |
| UnrealizedGainLossOnInvestmentSecurities | -2.32M | 26.00K | 54.27M | 67.68M |
| ProvisionandWriteOffofAssets | -8.26M | -1.82M | 33.52M | 10.10M |
| AssetImpairmentCharge | 16.41M | 9.44M | 145.47M | 0.00 |
| DepreciationAmortizationDepletion | 33.23M | 42.89M | 49.42M | 27.22M |
| DepreciationAndAmortization | 33.23M | 42.89M | 49.42M | 27.22M |
| AmortizationCashFlow | 26.14M | 37.05M | 35.75M | 19.57M |
| AmortizationOfIntangibles | 26.14M | 37.05M | 35.75M | 19.57M |
| Depreciation | 7.09M | 5.84M | 13.67M | 7.65M |
| OperatingGainsLosses | -2.61M | 237.30M | -259.81M | 40.53M |
| GainLossOnInvestmentSecurities | -2.61M | 237.30M | -259.81M | 40.53M |
| NetIncomeFromContinuingOperations | -206.29M | -536.42M | -877.08M | -301.13M |
SEC Filings
Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.
Public Trades for BETR
| Date | User | Asset | Broker | Type | Position Size | Entry Price | Patterns |
|---|